To protect your account, we monitor your debit card transactions for potentially fraudulent activity.

Planning to travel out of state?  Make sure and notify us. Trips outside of Washington, Oregon and Idaho may trigger a fraud alert.  There are other ways we monitor your account for suspicious activity. This may include a sudden change in locale (such as when a US issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
If fraudulent activity is suspected, you will receive either a two-way text  message or a phone call to validate the legitimacy of your transactions. Your participation in responding to our call or text is critical to prevent potential  risk and avoid restrictions that may be placed on the use of your card.
  • Our automated call or two-way text message will ask you to verify recent transaction activity  on your card.
  • You will be able to respond via your touch-tone keypad for the phone call or simply reply  “Yes” or “No” to the two way text message. You will also be provided a toll-free number to call should you have additional questions.
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number (both land line and cell/mobile phone) and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Some additional tips on protecting yourself from debit card fraud are provided below.
*To enjoy the benefits of Two-Way Text Fraud Alerts, we must have a current mobile phone number in our system.

Protect Yourself

Unless absolutely required for a legitimate business purpose, avoid giving out your:
  • Address and Zip code
  • Phone Number
  • Date of Birth
  • Social Security Number
  • Card or Account number
  • Card expiration date

Your PIN Is private; NEVER give it out.

In stores and at ATMs, always cover your card and PIN . Be on the lookout for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight; take it to the register yourself
  • Any usual activity at ATMs; if you feel uncomfortable, go to another ATM

Online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate
  • Link to websites; such sites can look legitimate but may collect data or put spyware on your

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